An incorrect claim entry on your insurance record can affect your ability to get affordable coverage, the price you pay at renewal, and even how …
What Counts as a “Covered” vs “Non-Covered” Loss in Claims Databases
When you’re shopping for auto insurance—or trying to correct claims history—one of the most misunderstood concepts is the difference between a “covered” vs “non-covered” loss. …
How to Prove Your Claim Was Paid Under the Wrong Policy or Coverage Type
When an auto insurer pays a claim under the wrong policy or coverage type, it can distort your claims history, influence underwriting decisions, and raise …
Homeowners Claim Denial? What to Do First Before Disputing or Reapplying
Getting a denial from your homeowners insurer can feel like the end of the road—especially after you’ve already paid for repairs, mitigation, or temporary housing. …
Should You File a Homeowners Insurance Claim? A Decision Guide for Small vs Large Losses
Homeowners insurance claims can feel straightforward—until you have to decide whether filing helps or hurts. The real question isn’t only “Will my claim be approved?” …
Impact of SR-22 on Future Premiums: What to Expect and How to Plan Your Next Policy
If you’ve been required to file SR-22 after a lapse or a license-related issue, it can feel like the worst part is the paperwork. In …
How Home Insurance Claim Records Work: What Insurers See and How Long It Lasts
When you file a homeowners insurance claim, the story doesn’t end with a payout or a denial. Insurers rely on claim records—internally and through external …
How to Handle Roof Damage Claims: Evidence Needed and How Adjusters Evaluate Wear vs Storm
Roof damage is one of the most common reasons homeowners file insurance claims—yet it’s also one of the most frequently disputed. A big part of …
Claim Impact on Future Premiums: Factors That Raise Rates After a Loss
A homeowners insurance claim doesn’t just affect your current policy—it can influence how insurers price your future coverage, even after you’ve been “made whole.” Many …
Fire and Smoke Damage Claims: What to Save, How to Mitigate, and What Coverage Typically Covers
A fire or smoke loss can affect much more than the visible flames. Even after the fire is out, soot, odor, heat, and water from …